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Original filing (PDF)20251015145508NAL0004904097005
INDEPENDENT PILOTS ASSOCIATION
Form 5500
FILING_RECEIVED
IPA CREWMEMBER RETIREE HRA PLAN
Health & welfare plan
Signals · 1
No recordkeeper disclosed
Active participants
3,406
Accounts w/ balance
—
Plan assets (EOY)
$40.1M
Net assets (EOY)
$40.0M
How this plan invests
This plan
33 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- 58 bps in Schedule C fees — 101% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for INDEPENDENT PILOTS ASSOCIATION.
Plan sponsor
Name
INDEPENDENT PILOTS ASSOCIATION
EIN
61-1171169
Address
3607 FERN VALLEY ROAD · LOUISVILLE, KY · 402191916
Phone
(502) 968-0341
Industry
Other Services (ex. Public Admin)see all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
511
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-15
Welfare benefit codes
4A · Health (other than dental or vision)
4D · Dental
4E · Vision
4U · Dependent Care
Audit & trust (Schedule H)
Auditor
WHITTLESEY PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsOther
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BPAS | 16-1616474 | HOUSTON, TX | — | $233K | — |
Investments
33 direct securities· $40.1M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| T Rowe Price Retirement 2030 | — | — | — | $7.6M | 18.9% | |
| T Rowe Price Retirement 2025 | — | — | — | $6.7M | 16.7% | |
| T Rowe Price Retirement 2035 | — | — | — | $6.5M | 16.2% | |
| T Rowe Price Retirement 2040 | — | — | — | $4.7M | 11.6% | |
| Fidelity 500 Index | — | — | — | $3.4M | 8.4% | |
| T Rowe Price Retirement 2045 | — | — | — | $3.3M | 8.2% | |
| T Rowe Price Retirement 2050 | — | — | — | $1.6M | 4.1% | |
| T Rowe Price Retirement 2020 | — | — | — | $1.3M | 3.3% | |
| Fidelity Contrafund | — | — | — | $1.3M | 3.2% | |
| Fidelity OTC | — | — | — | $845K | 2.1% | |
| Fidelity Inv MM Fds Treasury | — | — | — | $401K | 1.0% | |
| T Rowe Price Retirement 2055 | — | — | — | $366K | 0.9% | |
| Vanguard Value Index | — | — | — | $347K | 0.9% | |
| Vanguard Small Cap Index | — | — | — | $244K | 0.6% | |
| Vanguard Mid Cap Value Index | — | — | — | $235K | 0.6% | |
| T Rowe Price Retirement 2060 | — | — | — | $201K | 0.5% | |
| Fidelity International Index | — | — | — | $151K | 0.4% | |
| Fidelity Extended Market Index | — | — | — | $148K | 0.4% | |
| Vanguard Small Cap Value Index | — | — | — | $138K | 0.3% | |
| Fidelity Puritan | — | — | — | $118K | 0.3% | |
| Fidelity US Bond Index | — | — | — | $79K | 0.2% | |
| ClearBridge Small Cap Growth I | — | — | — | $75K | 0.2% | |
| T Rowe Price Intl Discovery | — | — | — | $74K | 0.2% | |
| T Rowe Price New Asia | — | — | — | $69K | 0.2% | |
| PIMCO Income Instl | — | — | — | $65K | 0.2% | |
| Fidelity Advisor Focussed Emerging Markets | — | — | — | $64K | 0.2% | |
| T Rowe Price Retirement 2015 | — | — | — | $59K | 0.1% | |
| Janus Henderson Enterprise Fund N | — | — | — | $57K | 0.1% | |
| Vanguard Inflat-Protected Secs | — | — | — | $35K | <0.1% | |
| SBH Small Cap Value | — | — | — | $23K | <0.1% | |
| Cohen & Steers Instl Realty | — | — | — | $22K | <0.1% | |
| TRowe Price Retirement Income | — | — | — | $11K | <0.1% | |
| T Rowe Price Retirement 2005 | — | — | — | $4K | <0.1% |
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